Posted by ReneeK_MI on 8/28/06 3:29pm
Msg #141538

Creative Loans, Costa Mesa NSF/ClOSED ACCT!

Well, it had to happen eventually ... but this is my first payment issue. Check was returned to me stamped "Closed Account" by their bank, and labeled as NSF by mine.

Head's up.

Reply by JM_NY on 8/28/06 3:31pm
Msg #141539

Take it to your local police dept and let them know they are writing bad checks. You won't get paid but the police dept will take some sort of action on it.

Reply by Nicole_NCali on 8/28/06 4:09pm
Msg #141548

Start with a demand letter

Start with a demand letter requesting the principal of the check, nsf fee (normally between 25-35 dollars) and certified mail fee. Give a deadline date of 10-15 days (do not say business days)

Send the letter certified mail and then mail another copy regular mail. (due diligence)

All depending on what county you live in, you may be able to get the local prosecutor involved.

Here is a link:http://www.calhouncountymi.org/Departments/ProsecutingAttorney/CheckRecovery.htm

If this is not a good route for you, you may be able to start small claims litigation.

Reply by Gary_CA on 8/28/06 4:34pm
Msg #141550

Just call me Brad

I love the way BradCA is always putting links to info.

I beat him... looked up the county (Orange) and the DA... website didn't have much but a quick phone call got pay dirt.

www.orangecountyda.com (click economic crimes, but not much info there)

But there wasn't much info so I called and they gave me the

OC DA's Bad Check program: 800-931-9352


In CA we love bad checks, because they fund local government. The DA will arrest them (no handcuffs, but mug shot and a record) add treble damages, collect at their bank or mailbox if needed, send you your money (maybe with a little extra) and keep the treble part.

Reply by cyndi_ca on 8/28/06 4:57pm
Msg #141558

Gary, Great job!

Brad is excellent with the links fer sure, ya beat em to the punch. Kudos to you and Brad

Reply by Brad_CA on 8/28/06 5:01pm
Msg #141562

Re: Gary, Great job!

I knew it. I was out doing a couple of signings and this happens. LOL

Reply by cyndi_ca on 8/28/06 5:02pm
Msg #141564

See what happens when you work!

I had actually meant to mention this before. Brad you are great with the links and very helpful. Even have helped me out a time or two. Thanks!

Reply by cassiewi on 8/28/06 5:04pm
Msg #141565

I concur!

I used two of them today. Thanks Brad.

Reply by Brad_CA on 8/28/06 5:06pm
Msg #141568

Re: Gary, Great job!

Your both welcome. Glad I can help.

Reply by cyndi_ca on 8/28/06 5:07pm
Msg #141570

Where are u in cal? n/m

Reply by Brad_CA on 8/28/06 5:08pm
Msg #141573

Re: Where are u in cal?

so cal

Reply by cyndi_ca on 8/28/06 5:10pm
Msg #141576

Re: Where are u in cal?

Perhaps when we have our next get-together here in so-cal you could come. I'm looking toward late Sept.

Reply by Brad_CA on 8/28/06 5:16pm
Msg #141577

Re: Where are u in cal?

I missed the last one that Joan Bergstrom hosted in Anaheim. If not busy, I will attend the next one. Please keep me updated.

Reply by cyndi_ca on 8/28/06 5:19pm
Msg #141580

Brad, can ya email me?

[e-mail address]. Have some questions for you.

Reply by ReneeK_MI on 8/29/06 4:27am
Msg #141733

What an incredibly nice thing to do - THANK YOU, GARY

I'll call the OC/DA when they open and ask their opinion on how to proceed. I was so stewed over this, but couldn't pursue it much yesterday. I did manage to reach someone saying they were "in charge of the accounting", and they said to send it back and they'd send another check (NOT apologetic, the attitude was less than fuzzy). I'm thinking I should retain this first check - but if OC DA says a copy would suffice for my purposes, then ok. I don't see what purpose they have in wanting it returned to them OTHER than to remove it from MY posession. I'll find out.

SO ironic, as I was just spewing off to another SA yesterday about how I've "never had a payment issue" and I don't much think about it, but I DID say it was likely just a matter of time. Still ... it is only one time, and it's also still possibly resolvable. What really fries my cookies is that it was off a Closed Account. Maybe I'm lacking understanding, but it just seems more likely to be intentional. If/When resolved, I will certainly post.